We compare 30+ Virginia insurance companies that actively write FR44 and SR22 filings, rank them by price, and file with the DMV the same day we receive your signed application.
No lectures. No judgment. Just the fastest, cheapest road back to driving legally.
The Road Back
Thousands of Virginia drivers need an FR44 or SR22 every year — after a DUI conviction, too many violations, unpaid fines, or an uninsured accident. Here's exactly how we get you driving legally again.
Pull your driving record from the Virginia DMV (usually $5–$10) and ask the DMV what fees you owe — typically a $55 reinstatement fee plus any outstanding fines.
Our rating software quotes you with most major Virginia companies writing FR44 coverage and ranks them by price. One-company quotes are how people overpay — badly.
Sign the application (email or download), pay by credit or debit card, and we issue your FR44 or SR22 filing to the DMV the same day. You're back on the road.
Policy Types
Virginia FR44 filings require 50/100/40 liability coverage. We write it on every kind of policy:
Coverage on the vehicle(s) you own, with the filing attached.
Don't own a car? A liability-only non-owner policy satisfies the DMV.
Bike riders need filings too — we've got carriers for that.
Light commercial trucks and work vehicles, filed and covered.
Straight Answers
An FR44 is a certificate your insurance company files with the Virginia DMV. It proves you carry at least 50/100/40 liability coverage and removes the suspension order on your driving privilege. It also guarantees the DMV will be notified if your insurance ever lapses — which is why keeping your policy active matters.
Drivers whose license is suspended by the Virginia DMV — including for drunk-driving convictions, too many moving violations in a year, unpaid fines or parking violations, uninsured accidents, or other DMV compliance issues. Not sure which filing you need? Call us and we'll help you figure it out.
Same day. Once we receive your signed application — emailed or downloaded, paid by credit or debit card — we issue the filing to the DMV that day. Internet customers go to the front of the line.
The filing period is typically three years in Virginia, though it can run longer in some cases. Your coverage must stay active the entire time.
You'd purchase a non-owner liability policy with the FR44 attached — usually the least expensive way to satisfy the requirement. We write these every week.
Because FR44 rates vary wildly between companies — the same driver can see dramatically different prices. We rate you across 30+ Virginia companies and rank them by price, so the market competes for you instead of the other way around.
Statewide
FR44Fast.com files FR44 and SR22 certificates for drivers across the Commonwealth — Danville, Richmond, Virginia Beach, Norfolk, Roanoke, Lynchburg, Chesapeake, Newport News, Charlottesville, Martinsville, South Boston, and everywhere in between. Everything is handled by phone, email, and secure online payment, so your location never slows down your filing. FR44Fast.com is operated by Cochran Insurance Agency, Inc., a family-owned independent agency in Danville, Virginia since 1977.
Free quote. 30+ companies compared. Same-day filing. Mon–Fri 8:30–5.
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